steve, let me start with you. so places like sears and olive garden, red lobster, they're going to give their employees a chunk of change, and supposedly you can go out and buy your own insurance. is this a great idea or a horrible idea? [laughter] >> i actually kind of like the direction here of, basically, saying to workers you can shop around, you can buy the health care plan that really suits your need. so it's a kind of freedom of choice approach. now, the way this ties in, by the way, allison, to obama's health care plan that you were talking about a minute ago is that under obama's plan what you're seeing is a lot of employers are dropping their health care plans that they provided for years to their employers, and they're going to put those workers into what's called the health care exchange under obamacare. that's something that workers are resisting because it means they're not going to get the kind of quality of care that they want. the idea of giving people a wide range of options, though, as these two